About Yves


Yves Cham is a full-service mortgage banker, specializing in residential and commercial loans. He offers a wide range of loan product solutions, including fixed and adjustable rate mortgages, FHA loans, VA loans, jumbo loans, hard money, sub prime and renovation financing. He knows that each client has unique financial needs that require a unique product solution. That’s why he works very closely with every client to ensure a smooth financial process.  If you want someone that knows how to get you from the application to the closing table quickly and hassle-free, Yves Cham is your partner for financial success. 


With over 16 years of lending experience in the Residential and Commercial mortgage industry, he brings a wealth of market knowledge to each of his client's transactions with his background in Underwriting, Loan Origination, Mortgage Branch Management, and Mortgage Banking. Sourcing the funding you need is his specialty, no matter the type of Real Estate, Credit, or Income, if Yves cannot fund your deal, no one can.      


Clients that work with Yves receive unparalleled client support with their mortgage transaction, before and after their loan is closed. He's available 7 days a week to get you the loan you deserve with the best rates and terms.


Banker vs. Lender

Working with a banker has it's advantages, and the most important one is NO Lender Overlays, that's when a lender adds additional restrictions and guidelines to their loan products making it harder for you to qualify for a loan. Bankers don't have lender overlays, making it easier for you to qualify for a Conventional, FHA, or VA loan. The other major advantage of working with a banker is the ability to offer lender credits for closing costs, which could be up to 2% of the loan amount, that could be up to $10,000.00 you keep in the bank.

Banker vs. Broker

There are no middle men involved when working with a mortgage banker, and the rates and terms are the best on the market. The biggest difference between the two, is control. The mortgage banker controls the entire process while the mortgage broker essentially relinquishes control once the loan application is transferred to the selected lender. In the past, the broker would be more involved in the loan process gathering documentation on behalf of the direct lender to get the loan approved, but in today’s environment, the broker steps aside. That's the importance of working with a banker that will control and own the process, this means you get real answers in real time.